The Finance Algorithm
§ Tool · tier 1 · independent

Travel Insurance Calculator.

Estimate travel insurance costs for domestic and international trips. Compare cover levels for medical, cancellation, luggage, and adventure activities.

CalculatorFree, no signupOn-deviceupd May 2026
Inputs
Your numbers

USA and Canada have the highest medical costs

Longer trips cost more to insure

Family policies are usually cheaper than individual policies combined

$
$5k

Flights, accommodation, tours — what you'd lose if you cancel

Comprehensive includes higher limits and more covered events

Adventure activities require additional cover and increase premiums

35

Premiums increase significantly over 65

Math updates live as you change inputs · AI runs on submit

Awaiting inputs

Move the sliders or type in the form on the left — the math updates live as you go. Click Get AI verdict when you want a written analysis.

A medical emergency overseas without insurance can be financially devastating — a broken leg in the US costs $20,000-$50,000+, an ICU stay $10,000+ per day, and emergency evacuation $50,000-$150,000. Travel insurance is cheap compared to these risks: typically $50-$300 for a 2-week international trip. It also covers trip cancellation, lost luggage, and travel delays.

§ Worked examples

Real-world scenarios

Family Holiday to Bali, 10 Days

Family of 4, standard tourism, $6,000 total trip cost.

Standard cover estimated: $180-$300 for the family. Medical cover: $unlimited. Cancellation: up to $6,000. Luggage: $5,000-$10,000. Without insurance: a child's broken arm could cost $5,000-$15,000 at a private hospital.

Skiing Trip to Japan, 2 Weeks

Couple, snow sports, $8,000 trip cost.

Comprehensive + snow sports add-on: $250-$400 for the couple. Snow sports injuries are expensive — ACL reconstruction in Japan: $15,000-$25,000. Emergency evacuation from a ski resort: $20,000+. The $300 premium is trivial compared to the risk.

§ FAQ

Questions Australians ask

§ Glossary

Plain-English definitions

Medical Evacuation
Emergency transport to the nearest adequate medical facility. Can cost $50,000-$150,000+ without insurance.
Trip Cancellation
Reimburses prepaid, non-refundable trip costs if you need to cancel for a covered reason.